Smarter Contracts. Using AI to Meet EU Accessibility Requirements

Are your financial contracts compliant with the EU Accessibility Act?

Since June 28, 2025, all consumer-facing financial services contracts must meet a new standard: language complexity cannot exceed B2 level according to the Common European Framework of Reference for Languages (CEFR). If your organization still uses complex legal clauses, archaic formulations, and 50-word sentences, you may already be out of compliance.​

Romania's Law no. 232/2022 establishes clear requirements for banking services, credit agreements, payment services, and electronic money. Unlike previous legislation concerning itself with font or letter size, these requirements now expand to the linguistic complexity of the text itself.​

What Does B2 Level Mean in Practice?

A B2-level user can understand detailed information about banking products and services and identify main conclusions in a contract, but only if technical jargon isn't excessive. The problem? Most current financial contracts are drafted at C1-C2 level, using specialized terminology that assumes advanced knowledge of banking law.​

Academic studies show that software license agreements (EULAs) maintain a readability level comparable to scientific journal articles. Your financial contracts may be equally inaccessible.​

The Risks of Non-Compliance

The National Authority for Consumer Protection (ANPC) and the Authority for the Digitization of Romania (ADR) have oversight competencies, alongside the National Bank of Romania and the Financial Supervisory Authority. With multiple regulatory bodies involved, sanctions can come from several directions.​

When navigating complex legislative waters, you need experts who know how to transform complexity into clarity. FlyingFish understands that regulatory compliance doesn't mean sacrificing legal precision.

Contact us today for a compliance audit of your contractual documentation. Transform complex legal language into clear communication without losing legal protection.

Can AI rewrite your financial contracts? Opportunities and limitations

Imagine a chatbot that explains credit contract clauses in simple language, adapted to each client's level of understanding. This could be a practical solution to the challenges imposed by the European Accessibility Act.​

The Directive doesn't necessarily require contracts themselves to be entirely rewritten at B2 level. The essential requirement is that information be made available to the client in accessible language. This opens the door to innovative technology-based solutions.​

The Dual model: complete contract + accessible explanations

Instead of oversimplifying legal documents (risking loss of precision), you can maintain the complete contract and add comprehensive FAQ sections that translate complex clauses into B2 or simpler language, AI-powered chatbots trained to explain terms based on users' specific questions and contextualized explanations for each technical clause.

An AI assistant can offer unlimited patience in educating clients and personalize explanations based on each user's background. Moreover, conversation logs identify exactly which contractual provisions generate the most confusion, which can help you identify gaps and work on improving the sections that need work.

Implementation challenges

AI systems must be trained on extensive datasets comprising financial contracts, regulatory guidance, and plain language translations to ensure accuracy. Technical implementation requires significant investment and collaboration between legal and technology teams.​

There are also questions related to compliance with GDPR data minimization principles and the need to maintain conversation logs for quality assurance.​

In today's complex digital ecosystem, you need partners who combine legal expertise with technology understanding. FlyingFish helps you navigate the intersection of law, technology, and accessible communication.

Want to explore how AI can transform your client communication? Contact us for a consultation about customized solutions that respect both legal requirements and your business needs.